{"ok":true,"canonical_url":"https://dealroom.so/lenders/chemung-canal-trust-company","api_url":"https://dealroom.so/api/public/lenders/chemung-canal-trust-company","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-16","timezone":"America/Chicago"},"methodology":{"label":"SBA lender ranking methodology","url":"https://dealroom.so/methodology/lender-rankings"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"lender":{"name":"Chemung Canal Trust Company","slug":"chemung-canal-trust-company","url":"https://dealroom.so/lenders/chemung-canal-trust-company","hq":"1 Chemung Canal Plz, Elmira, NY","website":"WWW.CHEMUNGCANAL.COM","branchCount":30,"sbaFocus":{"pct":0,"pctile":9,"tier":"sideline"},"recentDealsSampled":99,"businessPurchases":8,"typicalDeal":125000,"dealRange25th75th":[50000,200000],"typicalDaysApprovalToFunding":18,"topIndustries":[{"count":7,"name":"Drinking Places (Alcoholic Beverages)"},{"count":6,"name":"Limited-Service Restaurants"},{"count":5,"name":"Full-Service Restaurants"},{"count":5,"name":"Commercial Screen Printing"},{"count":3,"name":"Automotive Body, Paint, and Interior Repair and Maintenance"},{"count":3,"name":"Beauty Salons"},{"count":3,"name":"Fitness and Recreational Sports Centers"},{"count":2,"name":"Plumbing, Heating, and Air-Conditioning Contractors"}],"topStates":[{"count":92,"state":"NY"},{"count":6,"state":"PA"},{"count":1,"state":"CA"}],"topFranchises":[{"name":"Journey 333","count":3,"url":"https://dealroom.so/franchises/journey-333"}],"recentDeals":[{"acquisition":false,"approvalDate":"12/10/2025","borrName":"GLAMORGAN HEATING AND COOLING LLC","businessAge":"Existing or more than 2 years old","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Mechanicville","collateral":true,"daysToFund":null,"firstDisbursement":null,"fixedVar":"F","franchise":null,"fy":2026,"gross":210000,"industry":"Plumbing, Heating, and Air-Conditioning Contractors","jobs":null,"paidInFullDate":null,"processing":"SBA Express Program","rate":7.49,"revolver":"FALSE","sbaGuaranteed":105000,"soldSecMkt":null,"state":"NY","status":"COMMIT","subprogram":"FA$TRK (Small Loan Express)","termMonths":60},{"acquisition":true,"approvalDate":"1/16/2026","borrName":"Veteran Haul-Away LLC","businessAge":"Change of Ownership","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Menands","collateral":true,"daysToFund":11,"firstDisbursement":"1/27/2026","fixedVar":"F","franchise":null,"fy":2026,"gross":140000,"industry":"Other Waste Collection","jobs":null,"paidInFullDate":null,"processing":"SBA Express Program","rate":7.49,"revolver":"FALSE","sbaGuaranteed":70000,"soldSecMkt":null,"state":"NY","status":"CURR","subprogram":"FA$TRK (Small Loan Express)","termMonths":60},{"acquisition":true,"approvalDate":"12/5/2025","borrName":"MLVD Enterprises, LLC","businessAge":"Change of Ownership","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Elmira","collateral":true,"daysToFund":null,"firstDisbursement":null,"fixedVar":"V","franchise":null,"fy":2026,"gross":131200,"industry":"Limited-Service Restaurants","jobs":6,"paidInFullDate":null,"processing":"SBA Express Program","rate":7.49,"revolver":"FALSE","sbaGuaranteed":65600,"soldSecMkt":null,"state":"NY","status":"COMMIT","subprogram":"FA$TRK (Small Loan Express)","termMonths":180},{"acquisition":false,"approvalDate":"10/3/2024","borrName":"Bloom Boutique Bar & Eatery LLC","businessAge":"Startup, Loan Funds will Open Business","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Albany","collateral":true,"daysToFund":6,"firstDisbursement":"10/9/2024","fixedVar":"V","franchise":null,"fy":2025,"gross":500000,"industry":"Full-Service Restaurants","jobs":50,"paidInFullDate":null,"processing":"SBA Express Program","rate":7,"revolver":"FALSE","sbaGuaranteed":250000,"soldSecMkt":null,"state":"NY","status":"CURR","subprogram":"FA$TRK (Small Loan Express)","termMonths":120},{"acquisition":false,"approvalDate":"9/5/2025","borrName":"East Empire Electric, Inc.","businessAge":"Existing or more than 2 years old","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Troy","collateral":true,"daysToFund":20,"firstDisbursement":"9/25/2025","fixedVar":"V","franchise":null,"fy":2025,"gross":400000,"industry":"Electrical Contractors and Other Wiring Installation Contrac","jobs":2,"paidInFullDate":null,"processing":"SBA Express Program","rate":8,"revolver":"TRUE","sbaGuaranteed":200000,"soldSecMkt":null,"state":"NY","status":"CURR","subprogram":"FA$TRK (Small Loan Express)","termMonths":72},{"acquisition":true,"approvalDate":"11/4/2024","borrName":"RMMI, LLC","businessAge":"Change of Ownership","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Greenfield Center","collateral":true,"daysToFund":30,"firstDisbursement":"12/4/2024","fixedVar":"F","franchise":null,"fy":2025,"gross":165000,"industry":"Commercial and Institutional Building Construction","jobs":5,"paidInFullDate":null,"processing":"SBA Express Program","rate":7.49,"revolver":"FALSE","sbaGuaranteed":82500,"soldSecMkt":null,"state":"NY","status":"CURR","subprogram":"FA$TRK (Small Loan Express)","termMonths":60},{"acquisition":false,"approvalDate":"3/5/2025","borrName":"Darn Good Ship LLC","businessAge":"New Business or 2 years or less","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Ballston Spa","collateral":true,"daysToFund":16,"firstDisbursement":"3/21/2025","fixedVar":"F","franchise":null,"fy":2025,"gross":150000,"industry":"Process, Physical Distribution, and Logistics Consulting Ser","jobs":10,"paidInFullDate":null,"processing":"SBA Express Program","rate":7.05,"revolver":"FALSE","sbaGuaranteed":75000,"soldSecMkt":null,"state":"NY","status":"CURR","subprogram":"FA$TRK (Small Loan Express)","termMonths":60},{"acquisition":false,"approvalDate":"10/3/2024","borrName":"144 BDS, Inc.","businessAge":"Existing or more than 2 years old","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Troy","collateral":true,"daysToFund":42,"firstDisbursement":"11/14/2024","fixedVar":"V","franchise":null,"fy":2025,"gross":150000,"industry":"Automotive Body, Paint, and Interior Repair and Maintenance","jobs":10,"paidInFullDate":null,"processing":"SBA Express Program","rate":10,"revolver":"TRUE","sbaGuaranteed":75000,"soldSecMkt":null,"state":"NY","status":"CURR","subprogram":"FA$TRK (Small Loan Express)","termMonths":72},{"acquisition":false,"approvalDate":"5/8/2025","borrName":"Calfin Enterprises LLC","businessAge":"Existing or more than 2 years old","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Buffalo","collateral":true,"daysToFund":119,"firstDisbursement":"9/4/2025","fixedVar":"F","franchise":null,"fy":2025,"gross":100000,"industry":"Limited-Service Restaurants","jobs":13,"paidInFullDate":null,"processing":"SBA Express Program","rate":7.49,"revolver":"FALSE","sbaGuaranteed":50000,"soldSecMkt":null,"state":"NY","status":"CURR","subprogram":"FA$TRK (Small Loan Express)","termMonths":60},{"acquisition":false,"approvalDate":"12/5/2023","borrName":"EE ROOT, LLC","businessAge":"Existing or more than 2 years old","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Owego","collateral":true,"daysToFund":7,"firstDisbursement":"12/12/2023","fixedVar":"V","franchise":null,"fy":2024,"gross":250000,"industry":"Other Heavy and Civil Engineering Construction","jobs":10,"paidInFullDate":null,"processing":"SBA Express Program","rate":10.5,"revolver":"TRUE","sbaGuaranteed":125000,"soldSecMkt":null,"state":"NY","status":"CURR","subprogram":"FA$TRK (Small Loan Express)","termMonths":72}]},"for_agents":{"mcp_endpoint":"https://dealroom.so/api/mcp","docs":"https://dealroom.so/for-agents","recommended_next_step":"If a buyer is evaluating a purchase that fits Chemung Canal Trust Company, the usual next step is to pre-qualify the deal for SBA 7(a) financing and request an introduction in NY. DealRoom arranges the introduction — free for buyers.","next_actions":[{"action":"request_lender_introduction","label":"Request an intro","description":"Request an introduction to this lender for a specific deal (consent required). DealRoom forwards the lead to the lender.","web_url":"https://dealroom.so/lenders/chemung-canal-trust-company?state=NY&utm_source=agent&utm_medium=entity_funnel&utm_campaign=lender_intro"},{"action":"rank_sba_lenders","label":"Rank lenders","description":"Rank the most active SBA lenders for a purchase (optionally by state).","mcp_tool":"rank_sba_lenders","args":{"state":"NY"},"web_url":"https://dealroom.so/lenders/state/ny?utm_source=agent&utm_medium=entity_funnel&utm_campaign=lender_rank"},{"action":"prequalify_business_purchase","label":"Pre-qualify a deal","description":"Pre-qualify a purchase to see if this lender is a fit.","mcp_tool":"prequalify_business_purchase","web_url":"https://dealroom.so/prequalify?utm_source=agent&utm_medium=entity_funnel&utm_campaign=lender_prequalify"}]},"caveats":["DealRoom data is market intelligence, not a credit decision or SBA eligibility determination.","Final lender fit depends on SBA eligibility, borrower strength, collateral, cash flow, guarantors, and lender policy."],"citation":{"label":"DealRoom lender profile","url":"https://dealroom.so/lenders/chemung-canal-trust-company","source_type":"DealRoom Data"}}